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Comviva Mobile Commerce Platform : mobiquity ™ Mar ' 2012

Comviva Mobile Commerce Platform : mobiquity ™ Mar ' 2012. Agenda . Comviva Quick Overview Comviva Mobile Financial Solutions Brief Comviva mobiquity™ Platform mobiquity™ for a Bank Why mobiquity™? Case Studies. Comviva Quick Overview. Comviva Quick Facts.

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Comviva Mobile Commerce Platform : mobiquity ™ Mar ' 2012

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  1. Comviva Mobile CommercePlatform : mobiquity™ Mar' 2012

  2. Agenda • Comviva Quick Overview • Comviva Mobile Financial Solutions Brief • Comviva mobiquity™Platform • mobiquity™ for a Bank • Why mobiquity™? • Case Studies

  3. Comviva Quick Overview

  4. Comviva Quick Facts • 110 customers; 90 countries • Highly scalable solution - 0.5 mnto 100 mn subs • 1200+ employees globally • Footprint across Africa, Asia, SEA, LatAm, MENA • Multiple awards - Informa, AfricaCOM, Golden Peacock, Frost & Sullivan, Deloitte Technology... The global leader in providing mobile solutions beyond VAS

  5. Our Offerings VAS Infrastructure Application Delivery Platforms Mobile Applications Mobile Financial Solutions Customer Value & Retention • SMS Platform • MMSC Platform • Data – Mobile Internet Gateway, Mobile Data Platform • USSD Suite • Remote Application Environment Platform • Voice & Video Apps Platform • USSD & SMS Service Creation Platform • Messaging Service Delivery Platform • Mobile Music • Voice & Video Apps • Gaming • Messaging • Call • Self Care • Web Apps • mobiquity™ Mobile Financial Services Platform • PreTUPS™ Prepaid Recharge Solution • Adagium™ Provisioning and Customer Care • Virtual SIM • Usage & Retention Suite Managed VAS Services End-to-end management of VAS services, ensuring consistently high service performance against operator defined SLAs

  6. Key Products – Penetration MFS Deployments

  7. Marquee Customers and Partners Mobile Handset Manufacturers Technology and Infrastructure Partners Mobile Operators Financial Services Providers Channel Partners Notes: 1.Select Client Logos 7

  8. Business mix – A Growing Global Footprint Balanced regional mix

  9. Comviva extends a wide variety of commercial models Customer Licensed Model Comviva Owned & Managed Customer Licensed,Comviva Managed Licensed Model Revenue Share Model • Operating Models • Customer licensed model • Owned and operated by bank • Customer licensed Comviva managed • License-based model • Comviva manages end-to-end service • Comviva owned & managed • Comviva manages service levels, capacity and revenue • Commercial Models • Licensed Model • Traditional license model • Variable Pricing Model • Transaction-based • Revenue share Source:

  10. Comviva Mobile Financial Solutions

  11. Comviva in Mobile Financial Services (MFS) • Comviva is a global leader in provisioning of Mobile Financial Solutions (MFS) • Addressing the needs of banked, under-banked & unbanked mobile subscribers, by offering mobile wallet, payment and banking services • Addressing the needs of operators & financial institutions by meeting regulatory requirements and integrating easily with 3rd party systems such as ATMs • Solution: “mobiquityTM– integrated mobile financial services platform” mobiquityTM Powering Mobile Financial Services for 40+ Service Providers, Financial Institutions, Globally mobiquityTM Powering Mobile Financial Services for 38 Service Providers, Financial Institutions, Globally Full Support for Regulatory Guidelines, and Actively Building the MFS Ecosystem

  12. Comviva - a leader in mobile financial services Orange Money Orange, Niger Hello Money Barclays, Kenya Mobile Cash Banglalink, Bangladesh Orange Money Orange, Senegal MobiCash Maroc Telecom, Morocco Orange Money Orange, Mali Hello Money Barclays, India Tigo Money Tigo, El Salvador Tigo Money Tigo, Honduras Orange Money Orange, Ivory Coast Orange Money Orange, Botswana Idea MyCash Idea, India Tigo Money Tigo, Guatemala Tigo Cash Tigo, Rwanda MobiCash Grameenphone, Bangladesh Orange Money Orange, Madagascar Vodafone M-Shop Vodafone, India Orange Money Orange, Cameroon Tigo Pesa Tigo, Tanzania • DMT • Bill payment • DMT • mBanking • Fund Transfer • Bill payment • DMT • Bill payment • DMT • Bill payment • Merchant payment • DMT • DMT • Bill payment • DMT • Bill payment • DMT • Bill payment • Merchant payment • DMT • DMT • DMT • DMT • Bill payment • Merchant payment • mTicketing • Bill payment • mTicketing • IMT • Bill payment • mTicketing • Insurance Payment • IMT • DMT • Bill payment • Merchant payment • mBanking • Fund Transfer • Bill payment • DMT • Bill payment Comviva mobiquity™TM deployments • Key • DMT: Domestic money transfer • IMT: International money transfer Country with single deployment Country with two deployments Country with three deployments 58 deployments globally* 44 operator led 13 bank led 1 aggregator * includes both deployed and under implementation projects

  13. MFS vision

  14. Update on MFS – Staying Ahead of the Curve Made significant investments in recruiting top talent with banking experience at senior levels • Managing end-to-end Mobile Money operations across 17 opcos in Africa – product; technical operations; business support; consulting • Over >USD 4-5 Bn flowing through mobiquity; over 15 M transactions at one installation • Partnership with MasterCard to deploy open network solutions • Only platform for Mobile Money, Banking and Payments • Strong product road-map; NFC ready

  15. mobiquity™PlatformLeader in Mobile Commerce

  16. Customer Segments Target end customer Segments Convenience, Ubiquitous Access Access, Reach Basic Financial Services

  17. mobiquity™Platform Overview mobiquityTM

  18. mobiquity™- Integrated Financial Services Platform Access Bearers mobiquity™TM Platform Financial Services Entity Management Business Management O&M Reporting & Reconciliation Wallet Management Hierarchy Management Bank Link Account Mgmt Integration Adaptor Layer Credit Card Account Bank Account Note: WAP platform provides the APIs, Service Providers needs to build the WAP Interface External Payment Instruments

  19. mobiquity™for Banks

  20. mobiquity® for banks: Models mobiquity® Mobile Banking Branchless Banking Mobile Wallet Single platform enabling different business models for a bank

  21. Mobile Banking Core Banking System / Card Host mobiquity™ Transaction Core Engine Operator Network Customers Service & Transaction Fee Typical Service Offerings Operator to only work as access bearer enabler.

  22. Branchless Banking Core Banking System mobiquity™ Agent Network Agent Hierarchy Operator Network Customers Transaction Core Engine Agent Network Customers Service & Transaction Fee Typical Service Offerings Agent Network can leverage exiting retailers - MFI/Telco/FMCG/etc.

  23. Mobile Wallet mobiquity™ Core Banking System Agent Network Agent Hierarchy Operator Network Customers Transaction Core Engine Issuing / Acquiring Module Agent Network Customers Service & Transaction Fee Typical Service Offerings mobiqiuity™ will manage funds for the wallet customers. Pool Account with the Bank

  24. Why Comviva?

  25. Why Comviva?

  26. mobiquity™ : Success Stories Operator in SE Asia – Utility Bill Payments Operator in Western Africa – Ivory Coast • Total monthly transactions*: Over 500,000 • Annualized growth: Over 1,200% • Total subscribers: 4.5 million • mCommerce customers: Over 1,105,510 • Total tnxs(Dec 2011): Over 830,000 Operator in Tanzania • Launched August 2010 • Over 3.6 million active customers • Approx 15 million transactions in a month 26

  27. Collaboration with MasterCard expands acceptance network mobiquity™ Mobile money service wallet • MasterCard MoneySend P2P money transfer MasterCard Virtual Card Number (VCN) • Small ticket online purchases and bill payments MasterCard Mobile Remote Payment (MMRP) Remote payments for good and services through mobile • MasterCard PayPass Contactless mobile payments to merchants 1.73 billion MasterCard and Maestro-branded cards accepted at more than 32.9 million locations around the world Source:

  28. mobiquity™Integration Experience mobiquity™ has extensive integration experience with various banks, networks and has worked with multiple partners to enable a mobile commerce eco-system

  29. Recognitions mBillionth South Asia Awards 2010 for mobiquity™forBest mBusiness and Commerce solution Mobile Messaging Congress Award 2010 for mobiquity™forBest Mobile Financial Services solution mobiquity™shortlistedfor Best Mobile Money solution by GSMA Global Mobile Awards mobiquity™shortlistedfor Best Mobile Money solution by GSMA Global Mobile Awards mobiquity™ shortlisted for GSMA Mobile Asia Awards mBillionth South Asia Awards 2011 for mobiquity™forBest mBusiness and Commerce solution 2010 2007 2008 2009 Win Golden Peacock Award 2008 for mobiquity™MonetHub NASSCOM Innovation Award 2009 for mobiquity™mobilemoney solution Aegis Gram Bell Awards 2011 for Innovation in Mobile Money Golden Peacock Innovation Award 2007 for mobiquity™mBanking 2011

  30. Case Studies

  31. Barclays India: The bank in your mobile • Sole reliance on the ‘bank branch route’ limits services accessibility • In India foreign banks are allowed to open only 12 retail branches in a year • Broad base reach and extend convenient access to banking services Need Convenient banking access Banking Customer 2.0 • Deployed mobiquity to overcome supply constraints and extend convenient banking services ‘ • Branded Hello Money’ the service allows customers to conduct fund-based transactions (pay bills, transfer money to own and third party account ) as well as non-fund transactions, Solution Quality of Experience • Approximately handles 60,000 transactions monthly • 70% of total Hello Money users actively use services every month • Average number of transactions per active customer equals 6.16 Results Personalized Services

  32. Tapping into the international remittance opportunity Banglalink, Eastern Bank and Dhaka Bank Bangladesh- Collaborative model • 6 million international migrant workers sent USD 9.7 billion to Bangladesh in 2010 • 40% of international remittances were sent via informal/illegal channels • Banks wanted to offer a formal international remittance product to beneficiary households Need • Banglalink Bangladesh in collaboration with Eastern Bank and Dhaka Bank launched Mobile Cash to provide international inbound transfer services to blue collar workers • Service supports cash-to-wallet and cash-to-cash transactions • Support for OTC transactions enables non-Banglalink customers to receive money Solution • An approximate 2,000 International remittance transactions per month • Average transaction size is USD 143 • Support for OTC transactions enables non-Banglalink customers to receive money Results

  33. Axis India: Empowering low-income unbanked migrants Need Solution Results • Axis is the third largest private sector bank in India • Improve NII performance by mobilizing zero interest mobile-wallet accounts • Bring unbanked, domestic migrants, a representative base of 100 million people into the banking mainstream • 57% migrants use informal channels to remit money • Launched ‘ MyCash’ a convenient, low-cost, mobile money transfer product for unbanked migrants together with Idea Cellular, one of India’s largest GSM operators, with 100 million customers • Allows users to conduct wallet-based and over-the counter transactions at authorized partner outlets using a USSD service code • Launched service pilot along a single inter-city remittance corridor (Mumbai-Allahabad) • With 2,000 registered users, the service is handling 3,000 transactions monthly • Average transaction size is USD 20 NII – Net Interest Income

  34. www.comviva.com Thank You

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